State credit union · Golden, Colorado · NCUA charter #64913
On Tap
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $419.6M
- Total assets
- 19,350
- Members
- 9.2%
- Net-worth ratio
On Tap scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $419.6M; members 19,350; net-worth ratio 9.16%; health rank #2,476 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,476 of 4,374 health · 2025Q4On Tap · health 82/100 · $419.6M · 2025Q4
Call Report peers
On Tap in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
On Tap vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); On Tap sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for On Tap
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.26 pp (87.46% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.16% vs peer 12.11% (-2.95 pp).
On Tap: in-state Call Report ranks
- Health composite ranks #37 of 66 among scored Colorado credit unions.
- By total assets, On Tap is #13 of 66 in Colorado.
- Colorado membership ordinal: #14 of 66.
- One place up in Colorado, WESTERRA (#36) ties at 82/100; one place down, Fort Morgan Schools (#38) scores 81/100, 1 point lower.
How On Tap's 5300 filing moved
On Tap: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.9% from $419.6M (2025Q4) to $457.0M (2026Q1).
- Net-worth ratio shifted -0.33 pp (9.49% → 9.16%).
9.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
On Tap gives up 18 points in total. Delinquency Rate costs the most, 5.4 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 19.6 pts
- Return on Assets 9.9 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 14.7 pts
On Tap health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.16% | -2.95 pp |
| Delinquency Rate | 1.05% | +0.16 pp |
| Return on Assets | 0.16% | -0.46 pp |
| Member Growth | 0.75% | - |
| Loan-to-Share Ratio | 87.46% | +15.26 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - On Tap
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $457.0M | - |
| 2025Q4 | $419.6M | 19,350 |
| 2024Q4 | $384.8M | 19,206 |
| 2023Q4 | $394.6M | 19,061 |
Credit Union Details
- Charter Number
- 64913
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Golden
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, On Tap runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Coors CU - Admin (Main Office) | Golden, CO |
| Coors CU - Arvada | Arvada, CO |
| Coors CU - Golden | Golden, CO |
| CO-OP Shared Branch locations | Golden, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
A look at other Colorado credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- On Tap ranks #2,476 of 4,374 nationally on financial health and #37 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Denver Community Cu D.B.a. Zing Cu is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Denver Community Cu D.B.a. Zing Cu
Frequently Asked Questions
Is On Tap financially healthy?
On Tap has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,476 of 4,374 nationally on health and #37 of 66 in Colorado. Its net worth ratio is 9.16% and its delinquency rate 1.05%.
How does On Tap compare to other credit unions?
On Tap scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.46% vs 72.20%). Its widest shortfall is net worth ratio (9.16% vs 12.11%).
How can I join On Tap?
Membership eligibility for On Tap depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact On Tap directly for current membership requirements and application steps.
Is my money safe at On Tap?
On Tap is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. On Tap's net worth ratio of 9.16% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.